Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

Continue reading

Instant Approval Credit Cards

yesterday2Instant approval credit cards can mean one of two things:

  • You get approved today but don’t get the card until later.
  • You get approved today and can instantly begin using your new credit line.

Continue reading

NRA Credit Card Payment, Login, and Customer Service Information

nra-credit-cardNational Rifle Association credit cards are issued in partnership with First National Bank of Omaha’s First Bankcard division, and it is First Bankcard you will interact with in order to pay your NRA credit card bill online or by mail, or to get customer service assistance. Below you’ll find all of the information you need complete any of these tasks:

Continue reading

Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
Continue reading

Reloadable Prepaid Cards

american-express-prepaidBelow is a partial list of the many prepaid debit cards on the market that allow you to reload more money onto them and use them indefinitely. (Prepaid credit cards are in contrast to debit gift cards that run out once you’ve used the balance on the card.)
Continue reading

Can I get a credit card if I’m self employed?

credit-card-handGetting credit or loans when you are self employed can be difficult. Anyone can call themselves self employed, even if they don’t make any money, so banks are more likely to regard you with suspicion if you are self employed or a “sole proprietor” (another term that means you’re on your own). Banks may want you to prove that you really make money and will be able to pay off your debts.
Continue reading

Are You Better Off Filling Out An Online Credit Card Application or Waiting For Credit Card Applications In The Mail?

credit-cards-smallAt a previous job reporting on credit cards, I was chided by a rep from one card company for discussing the specifics of certain credit card offers, such as interest rate, rewards program terms, introductory rates, etc. His logic was this: the credit card offers that you see on the Internet are not necessarily the same as the credit card offers that come to your mailbox, so it was impossible to specify the terms for any particular card.

For example, you might go to one of the big banks’ Web sites and decide to apply for a rewards credit card only to get an offer in the mail days later that actually offers a better rewards formula. Or you might see an offer for a 0% rate on purchases for 6 months online, only to get a mail offer of 0% on card purchases for 12 months. Conversely, you might get rejected for a card offer online, only to get mail days later from the same company offering you the same card with slightly worse terms than the card you saw online.
Continue reading

Review: Peebles Credit Card

peebles-credit-cardPeebles Department stores, in partnership with Comenity Bank, offers a credit card that allows you to earn reward certificates toward future Peebles purchases. But be careful! Our overview / review of the Peebles credit card is below:

The first thing you should understand about the Peebles credit card is at that it is only accepted at Peebles and its “sister stores” owned by the Stage Stores company, including Stage, Bealls, Goody’s and Palais Royal. This is very limited acceptance — it is not a great idea to open new credit lines with such limited usage unless there is a very compelling reason to do so.
Continue reading

Guitar Center Credit Card Payment, Login, and Customer Service Information

guitar-center-credit-cardThe Guitar Center credit card is issued in partnership with Capital One, and it is Capital One you will deal with when it comes to making a payment online or by mail, or if you need the help of credit card customer service. All the information you need to complete any of these tasks is below:

Continue reading

Cash Rebate Credit Cards

upromise-credit-cardOur favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash that you can use any way you want. Below we list some of the best cash rebate credit cards currently on the market, all offering at least 1% cash back, but usually more.
Continue reading